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Features of YES Bank Zero Credit Card

  • Reward Points Program: The YES Bank Zero Credit Card offers a rewarding points program where cardholders earn 8 YES Rewardz Points for every Rs. 200 spent on online shopping (excluding select categories like fuel and wallet transactions). Offline retail spends yield 4 YES Rewardz Points per Rs. 200, while select categories such as utilities and insurance earn 2 YES Rewardz Points per Rs. 200. These points can be redeemed through the YES Rewardz platform for flight and hotel bookings, movie tickets, or exclusive products.
  • Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at fuel stations across India, capped at Rs. 500 per month. This feature is particularly appealing for individuals who frequently drive, as it reduces the cost of fuel purchases. The waiver applies to all fuel stations, making it versatile and convenient.
  • Low Foreign Currency Markup Fee: For international transactions, the YES Bank Zero Credit Card features a preferential foreign currency markup fee of 2.75%, which is lower than the standard 3.5% charged by many credit cards. This makes the card a viable option for users who shop online from international merchants or travel abroad occasionally.
Bank of Baroda Premier Credit Card
    • Insurance Coverage: The card includes insurance coverage for enhanced safety, particularly a credit shield offering Rs. 2.5 lakh in the event of the primary cardholder's accidental death. This feature provides peace of mind, ensuring financial protection for the cardholder's family in unforeseen circumstances.
    • Digital Accessibility and Management: As a fully digital credit card, the YES Bank Zero Credit Card is accessible 100% virtually, allowing users to apply, activate, and manage their card through YES Bank's mobile app or net banking portal. Cardholders can set their PIN, monitor transactions, pay bills, and redeem reward points seamlessly online.
    • Low Joining and Renewal Fees: The card's fee structure is a key feature, with a joining fee of Rs. 399 and a renewal fee of Rs. 399, both of which can often be waived by meeting minimum spending thresholds (e.g., Rs. 1 lakh annually). This makes the card effectively "zero cost" for active users.
    • EMI Conversion and Instant Loan Options: The YES Bank Zero Credit Card allows users to convert transactions starting from Rs. 2,500 into easy EMIs, offering repayment periods ranging from 3 to 36 months. This feature provides flexibility for large purchases, such as electronics or travel expenses.
    • Wellness and Lifestyle Benefits: The card offers access to YES Privileges, a program providing promotional offers on dining, shopping, fitness, and travel. The card also includes a complimentary annual preventive health check-up for up to 25 parameters.
    • Security Features: The card incorporates robust security measures, including two-factor authentication and encryption for online transactions. Cardholders can instantly block their card via the YES Bank app or customer support if they suspect fraud.
    • Flexible Payment Options: The card offers an interest-free period of 20 to 50 days, depending on the transaction date, allowing users to make purchases without immediate interest charges if the bill is paid in full by the due date.
    • UPI Integration: The YES Bank Zero Credit Card can be linked to UPI applications, enabling seamless digital payments for small transactions. This feature is particularly useful for users who prefer UPI for daily expenses like groceries, dining, or bill payments.
    • Customization Options: Cardholders can personalize their YES Bank Zero Credit Card by selecting the card material, image, or reward plan during the application process. For instance, users can opt for a cashback plan (1% on eligible transactions) or a reward points plan.
    • Activation and Customer Support: The card can be activated easily through a YES Bank ATM, the mobile app, or by contacting customer support. YES Bank provides 24/7 customer care via toll-free numbers and email ensuring prompt assistance for queries, disputes, or card management.
    • Eco-Friendly Design: The YES Bank Zero Credit Card is designed with sustainability in mind, using eco-friendly materials for physical cards where applicable. This aligns with YES Bank's commitment to environmental responsibility.
    • Compatibility with Digital Wallets: The card is compatible with major digital wallets like Google Pay, Apple Pay, and Samsung Pay, allowing users to store their card details securely for quick payments.
    • Transaction Monitoring and Alerts: Real-time transaction alerts via SMS and email keep cardholders informed of every purchase, payment, or suspicious activity. The YES Bank app also provides a detailed transaction history.
    • Wide Acceptance: The YES Bank Zero Credit Card, typically issued on Visa or Mastercard networks, is accepted at millions of merchants worldwide, both online and offline.
Premier Card Benefits

Benefits of YES Bank Zero Credit Card

  • 1. Cost-Effective Financial Tool:
    • Affordable Fee Structure: Joining and renewal fees of ₹399 each, which are waivable on spending ₹1 lakh annually.
    • Ideal for Budget-Conscious Users: Especially suitable for students, young professionals, or those new to credit.
    • Zero Maintenance for Active Users: Effectively free for those meeting spending thresholds, making it a smart financial choice.
  • 2. Reward Points for Everyday Spending:
    • Generous Reward Structure: Earn 8 YES Rewardz Points per ₹200 on online shopping, 4 points on offline retail, and 2 points on utilities and insurance.
    • Valuable Redemption Options: Redeem points for flights, hotels, movie tickets, and products on the YES Rewardz platform.
    • Maximize Everyday Spending: For instance, spending ₹20,000 monthly on online shopping earns approx. 800 points, valued at ₹200–₹400.
    • Unlimited Expert Consultations: Unlimited on-call consultations with doctors, specialists, and nutritionists provide 24/7 access to professional advice. Whether managing chronic conditions like hypertension.
    • Fitness and Lifestyle Support: The 12 complimentary monthly fitness sessions, including gym, yoga, and Zumba, encourage an active lifestyle.
    • High Returns on Pharmacy Spends: Earning 30 reward points per ₹200 spent at chemist or pharmaceutical stores (3.75% cashback) maximizes savings for those with regular medical expenses.
    • Everyday Rewards: The 6 reward points per ₹200 spent on other categories ensure rewards on routine purchases, such as groceries or dining. The 5X reward points on YES PayNow biller registrations boost earnings.
    • Versatile Redemption Options: Reward points can be redeemed for flights, hotels, movie tickets, or wellness products via the YES Rewardz platform, or converted to air miles (10 points = 1 InterMile/Club Vistara Point).
    • Welcome Incentives: The 1000 reward points for YES PayNow registration (₹250) and ₹500 Amazon voucher for spending ₹1000 within 30 days provide immediate savings.
    • Airport Lounge Access: Two complimentary domestic lounge visits per quarter across 30+ Indian lounges enhance travel comfort.
    • Fuel Cost Savings: The 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, capped at ₹250 per cycle, reduces fuel expenses. For example, spending ₹20,000 monthly on fuel saves ₹200 to ₹2400 annually.
    • Contactless Transactions: Contactless payment technology simplifies small-value transactions, enhancing convenience at supermarkets, cafes, or transit hubs. This feature saves time and aligns with modern payment trends.
    • Flight Accident Coverage: The ₹1 crore life insurance cover for flight accidents provides substantial financial security for frequent flyers. This benefit ensures families are protected in rare but catastrophic events.
    • Overseas Medical Coverage: The ₹25 lakh medical insurance for emergency hospitalization abroad addresses high healthcare costs in countries like the US or Europe.
    • Credit Shield Protection: The credit shield covers outstanding balances in case of the primary cardholder’s accidental death, preventing financial burdens for dependents.
    • YES Privileges Offers: The YES Privileges program offers discounts on shopping, dining, travel, and wellness at partnered merchants in select cities. These deals, such as 10%–20% off at premium restaurants or wellness retreats.
    • Instant EMI Flexibility: The Instant EMI facility converts transactions above ₹2500 into EMIs at 12%–15% per annum, ideal for managing large expenses like medical bills or travel bookings.
    • Aditya Birla Multiply App: The Aditya Birla Multiply App centralizes access to wellness benefits, offering a seamless interface for booking check-ups, fitness sessions, and consultations.
    • Competitive Fees: The joining fee of ₹1499 + GST and annual fee of ₹2999 + GST are reasonable for a premium card with extensive benefits. For users maximizing health and pharmacy rewards, the benefits often outweigh the costs.
    • Interest-Free Period: An interest-free period of 20–50 days allows cardholders to manage cash flow without finance charges, provided balances are paid in full. This standard feature is valuable for disciplined users.
    • Targeted Availability: Available in 12 cities, the card ensures high-quality service delivery through local partnerships. While this limits reach, it enhances benefit accessibility for urban residents.
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How to Apply for YES Bank Zero Credit Card

  • Online Application via YES Bank Website:
    • Visit the Website: Access the YES Bank credit card application page under the “Credit Cards” or “Apply Now” section.
    • Select the Card: Browse available credit cards and choose the YES Bank Zero Credit Card (or ACE Credit Card). Review its features, fees, and benefits to ensure it suits your needs.
    • Enter Basic Details: Provide your mobile number, name, occupation, monthly income, and city. This initial form assesses your basic eligibility.
    • Verify with OTP: An OTP will be sent to your registered mobile number. Enter it to proceed and view pre-qualified card offers.
    • Choose the Card: Select the YES Bank Zero Credit Card from the list of available options. If it’s not displayed, contact YES Bank customer care for assistance.
    • Complete the Application Form: Fill in detailed personal and financial information, including PAN number, date of birth, address, employment details, and income sources.
    • Upload Documents: Submit digital copies of required documents (e.g., PAN card, address proof, income proof). Ensure files are clear and in accepted formats (PDF, JPG).
    • Submit and Track: Review your application, submit it, and receive an application reference number. Use this number to track your application status on the YES Bank website.
    • The online process is fully digital, typically taking 10–15 minutes, and offers instant eligibility checks for faster approvals.
  • Application Through Third-Party Platforms:
    • Access the Platform: Visit a trusted platform and navigate to the credit card section.
    • Enter Mobile Number: Provide your mobile number to start the application and receive an OTP for verification.
    • Check Pre-Approved Offers: After OTP verification, view pre-qualified credit card offers, including the YES Bank Zero Credit Card.
    • Select the Card: Compare features and select the YES Bank Zero Credit Card. These platforms often provide comparison tools to evaluate fees and rewards.
    • Fill the Form: Complete the application form with personal, employment, and financial details, similar to the YES Bank website.
    • Upload Documents: Submit digital copies of required documents. Platforms may offer document pickup services for physical copies.
    • Submit Application: Review and submit your application. You’ll receive a reference number to track progress.
    • Follow-Up: A representative from the platform or YES Bank may contact you for additional verification or document submission.
    • Third-party platforms streamline the process with user-friendly interfaces and comparison tools, making them ideal for first-time applicants.
  • Offline Application at YES Bank Branch:
    • Locate a Branch: Find the nearest YES Bank branch using the bank’s website or mobile app.
    • Gather Documents: Collect physical copies of required documents (e.g., PAN card, address proof, income proof).
    • Request an Application Form: Ask for the YES Bank Zero Credit Card application form at the branch’s customer service desk.
    • Fill the Form: Complete the form with accurate personal, employment, and financial details. Seek assistance from bank staff if needed.
    • Submit Documents: Attach photocopies of your documents, self-attested, and submit them with the form.
    • Verification: The branch staff will verify your details and may request additional documents if required.
    • Receive Reference Number: Upon submission, you’ll receive an application reference number to track your application status online or via customer care.
    • Offline applications are suitable for applicants who prefer face-to-face interactions or lack access to digital platforms. However, processing may take longer than online.
  • Application via YES Bank Mobile App:
    • Download the App: Install the YES Bank mobile app from the Google Play Store or Apple App Store.
    • Log In: Use your net banking credentials or register as a new user with your YES Bank account details.
    • Navigate to Credit Cards: Find the “Credit Cards” section and select “Apply for a New Card.”
    • Choose the Card: Select the YES Bank Zero Credit Card from the available options.
    • Fill Details: Enter personal and financial information, leveraging pre-filled data if you’re an existing customer.
    • Upload Documents: Upload digital copies of required documents directly through the app.
    • Submit Application: Review and submit your application, receiving a reference number for tracking.
  • Checking Application Status:
    • Online Portal: Visit the YES Bank Credit Card Application Status page, enter your application reference number, mobile number, date of birth, and PAN number.
    • Mobile App: Check the status in the app’s credit card section using your reference number.
    • Customer Care: Call or email providing your reference number and personal details.
    • Third-Party Platform: If applied, track status via their website or contact their support team.
    • Status updates typically reflect stages like “Received,” “Under Review,” “Approved,” or “Rejected,” with approvals communicated within 7–14 days.

Eligibility Criteria for YES Bank Zero Credit Card

  • Age Requirements
    • Primary Cardholder: Must be aged between 21 and 60 years.
    • Add-On Cardholder: Must be at least 18 years old (e.g., spouse or child).
    • Maximum Age at Loan Closure: For salaried individuals, should not exceed 65 years at the time of card validity.
  • Income Requirements
    • Salaried Individuals: Minimum net monthly salary of ₹25,000.
    • Self-Employed Individuals: Minimum annual ITR of ₹5 lakh.
    • Supplementary Income: Additional sources like rent, dividends, or spousal income may be considered with proper documentation.
    • Proof of Income: Salary slips for last 3 months or bank statements showing consistent inflow.
  • Occupational Status
    • Salaried: 6–12 months continuous employment with a reputed organization preferred.
    • Self-Employed: At least 2–3 years of business operation supported by ITRs, GST filings, or bank statements.
    • Professionals: Doctors, chartered accountants, and other licensed professionals with stable practice may apply.
    • Government Employees: Usually preferred due to job security and steady income.
  • Geographic Restrictions
    • Only residents of the following 12 cities are eligible: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane, and Navi Mumbai.
    • Valid address proof of residence in these cities is required.
    • Applicants residing outside these cities are not eligible, even with valid income and credit history.
    • Temporary Address: Temporary or rented address proof might require additional documentation or may not be accepted.
  • Credit Score and Financial History
    • Preferred credit score: 750 or above (CIBIL, Experian, or Equifax).
    • Scores between 700–750 may require higher income proof or face credit limit restrictions.
    • Applicants with missed payments, high credit utilization (>30%), or past loan defaults may face rejection.
    • Credit Inquiries: Too many recent credit inquiries can negatively impact approval chances.
    • Credit Mix: Having a healthy mix of secured and unsecured loans positively influences decisions.
  • Debt-to-Income Ratio
    • While not explicitly stated, a DTI ratio below 40% improves approval chances.
    • High monthly debt obligations reduce disposable income and approval odds.
    • Existing Loan Burden: Existing home loans, personal loans, or auto loans must be within manageable limits.
  • Nationality and Residency
    • Applicants must be Indian citizens or residents with valid Indian identification (e.g., Aadhaar, PAN).
    • Address proof must confirm residence in an eligible city.
    • NRIs may need to provide additional documentation; check with YES Bank directly.
    • OCI/PIO Cardholders: Eligibility might vary; applicants should contact YES Bank for details.
  • Additional Considerations
    • Employment Stability: Frequent job changes may require extra documentation like appointment letters or salary account statements.
    • Business Vintage: New businesses must provide strong financial proof like audited balance sheets or consistent bank credits.
    • Existing YES Bank Relationship: Holding a savings account, FD, or loan with YES Bank may improve approval chances.
    • Income Consistency: Seasonal or commission-based income must be supported by documents for at least 1 year.
    • Bank Statement Scrutiny: Bank statements for last 6 months will be reviewed for regular credits and financial behavior.
    • Fraud Checks: Background checks for fraud, legal cases, or blacklisting with other financial institutions will be conducted.
  • Tips to Improve Eligibility
    • Boost Credit Score: Pay dues on time, maintain low utilization, avoid frequent credit applications.
    • Enhance Income Proof: Submit salary slips, IT returns, or bank statements showing stable income.
    • Update Address Proof: Ensure documents reflect a permanent/updated address in an eligible city.
    • Contact YES Bank: For clarity, call 1800-103-6000 or visit a branch to explore options or alternative cards.
    • Maintain Low Debt: Try to reduce outstanding debts before applying to improve chances.
    • Prepare Documentation: Keep all relevant documents like ID proofs, income proofs, and address proofs ready to avoid delays.
  • Common Pitfalls
    • Income below ₹25,000 (salaried) or ₹5 lakh (ITR for self-employed).
    • Poor credit history with missed payments, high credit utilization, or recent defaults.
    • Incorrect or outdated address proof outside of eligible cities.
    • Submitting incomplete or inconsistent documents during application.
    • Applying with multiple cards simultaneously, leading to multiple hard inquiries.
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Documents Required for YES Bank Zero Credit Card

  • Identity Proof:

    Submit any one valid government-issued photo identity proof:

    • PAN Card: Mandatory for all applicants; self-attested photocopy required.
    • Aadhaar Card: Mask first 8 digits if needed for privacy.
    • Passport: Valid and not expired.
    • Voter ID Card: Accepted alternative.
    • Driving License: Must include photo and signature.
  • Address Proof:

    Submit one of the following documents reflecting your current residential address:

    • Aadhaar Card: Address must match application.
    • Passport: Showing permanent address.
    • Utility Bills: Recent (within 3 months) electricity, telephone, or gas bills.
    • Ration Card: With applicant’s name and address.
    • Rental Agreement: Registered and recent utility bill attached.
    • Bank Statement: Recent, stamped by the bank with address.

    Note: Address must be within YES Bank’s serviceable cities.

  • Income Proof:

    Depending on your employment status, submit relevant income documents:

    • Salaried Applicants:
      • Salary Slips: Last 3 months showing minimum Rs. 25,000 net monthly income.
      • Bank Statements: Last 6 months reflecting salary credits.
      • Form 16: Recent form showing annual income and tax deductions.
    • Self-Employed Applicants:
      • Income Tax Returns (ITR): Last 2 years, minimum Rs. 7.5 lakh annual income.
      • Bank Statements: Last 6-12 months showing consistent business deposits.
      • Business Proof: GST registration, shop license, or professional certificates (if applicable).
  • Photograph:

    Recent passport-sized color photograph (front-facing, plain background) for offline or digital submission.

  • Application Form:

    A completed and signed YES Bank credit card application form is mandatory. It collects your personal, contact, employment, and financial details.

  • Optional Documents:
    • Fixed Deposit Receipt (for secured cards).
    • Credit Card Statements (last 3 months) showing repayment history.
    • Employer ID Card (for salaried applicants).
    • Professional Certificates (for self-employed).
    • NRI Documents (if applicable).
  • Submission Methods:
    • Online: Upload scanned copies in PDF/JPG format (under 5MB) via YES Bank portal.
    • Offline: Submit self-attested photocopies with the application form at the branch.
    • Third-Party Pickup: Platforms like BankBazaar may arrange home pickup.
  • Self-Attestation Guidelines:

    All photocopies must be signed and marked "Self-Attested" by the applicant.

  • Verification Process:

    YES Bank cross-checks KYC details, income proofs, and credit reports before approval. This process usually takes 3–7 days.

Additional Factors Influencing YES Bank Zero Credit Card Approval

  • Educational Qualification:

    Higher educational qualifications can positively impact approval chances as they reflect stability and potential earning capacity.

  • Verification of Identity Documents:

    Accurate and authentic KYC documents (Aadhaar, PAN, Passport) are mandatory and delays or mismatches can cause rejection.

  • Bank Statement Consistency:

    Consistent bank statement showing regular salary credits or business inflow increases trustworthiness.

  • Loan History:

    Clean loan repayment history (home, auto, personal loans) boosts credibility and approval odds.

  • Existing Relationship Tenure with Bank:

    Longer relationship with YES Bank (savings account, investments) improves chances.

  • Application Accuracy:

    Errors or inconsistencies in the application form can lead to delays or denial.

  • Employment Verification:

    YES Bank may verify employer details and employment status; unverifiable jobs can reduce chances.

  • Use of Credit Cards:

    Applicants demonstrating responsible credit card usage history have an advantage.

  • Address Stability:

    Frequent address changes may negatively impact approval due to perceived instability.

  • Co-applicant or Guarantor Presence:

    Having a co-applicant or guarantor with strong credit history can improve approval likelihood.

  • Social Media and Online Presence:

    Some banks review social profiles to assess stability and credibility, though not a primary factor.

  • Previous Credit Card Rejections:

    Multiple past rejections on credit cards can raise red flags during assessment.

  • Type of Employment Contract:

    Permanent employees have higher approval chances compared to contractual or freelance workers.

  • Income Growth Trend:

    Demonstrated upward trend in income over recent years positively influences decisions.

  • Presence of Security Deposits:

    Offering security deposits or fixed deposits as collateral can aid in approval.

  • Active Mobile Number and Email:

    Valid contact details are necessary for communication and verification.

  • Presence of Legal Issues:

    Applicants involved in ongoing legal disputes or financial fraud are generally rejected.

  • Income Source Verification:

    Additional proof of income sources like rental income.

  • Applicant’s Marital Status:

    Marital status may influence perceived financial stability; married applicants sometimes preferred.

  • Spouse’s Credit Profile:

    In cases where joint applications are allowed, spouse’s creditworthiness can impact approval.

Frequently Asked Questions (FAQs) - Yes Bank Zero Credit Card

1. What is the Yes Bank Zero Credit Card?
The Yes Bank Zero Credit Card is a no annual fee credit card designed for individuals who are new to credit or prefer a basic credit card without any joining or renewal charges. It offers essential credit card benefits without any hidden fees.
2. Is there any annual or joining fee for the Yes Bank Zero Credit Card?
No, the Yes Bank Zero Credit Card comes with zero joining and zero annual fees. It is completely free for a lifetime, making it ideal for those who want a credit card without ongoing costs.
3. Who is eligible to apply for the Yes Bank Zero Credit Card?
Salaried or self-employed individuals with a good credit score or stable income are generally eligible. Applicants usually need to be at least 21 years of age and meet basic income requirements.
4. What are the key features of the Yes Bank Zero Credit Card?
Key features include no annual fees, interest-free credit period (up to 50 days), contactless payment support, secure online transactions, and 24x7 customer service support.
5. Can I earn reward points on this card?
While this card is primarily designed as a no-frills product, Yes Bank may offer basic reward points or cashback on select categories. Check the latest card features on the Yes Bank website.
6. Does the Yes Bank Zero Credit Card support international transactions?
Yes, the card can be used internationally wherever Visa or MasterCard is accepted. However, international transactions are subject to applicable foreign currency markup fees.
7. Is there a credit limit on the Yes Bank Zero Credit Card?
Yes, the credit limit is assigned based on your income, credit score, and other eligibility criteria at the time of approval. You can request a credit limit enhancement after consistent usage and timely payments.
8. How can I apply for the Yes Bank Zero Credit Card?
You can apply online through the Yes Bank official website or by visiting a nearby Yes Bank branch. You will need to submit KYC documents, income proof, and a recent photograph.
9. What documents are required to apply?
Generally, you need to provide a PAN card, Aadhaar card or any government-approved ID/address proof, and income proof (like salary slips or ITRs for self-employed individuals).
10. Is this card suitable for first-time credit card users?
Absolutely. The Yes Bank Zero Credit Card is an excellent choice for individuals new to credit, as it offers all the benefits of a standard credit card with zero cost.
11. How can I pay the bill for my Yes Bank Zero Credit Card?
You can pay your credit card bill through online banking, mobile banking apps, NEFT/IMPS, cheque deposit at Yes Bank branches, or auto-debit instructions from your bank account.
12. Will using the card help me build a credit score?
Yes, responsible usage of the Yes Bank Zero Credit Card (i.e., paying bills on time and maintaining low credit utilization) will help build and improve your credit score over time.
13. Is there any penalty for late payment on this card?
Yes, even though the card is free, late payment charges, interest on outstanding balance, and other standard charges apply if dues are not paid on time.
14. Can I convert large purchases into EMIs?
Yes Bank may allow you to convert eligible purchases into Equated Monthly Installments (EMIs). You can check this option via customer service or through your net banking account.
15. How do I block the card if it is lost or stolen?
If your card is lost or stolen, immediately call Yes Bank customer care or use mobile/internet banking to block the card. You can also request a replacement card.

List of Yes Bank Zero Credit Card Branches in Karnataka

  • Karnataka - Chitradurga
  • Karnataka - Davanagere
  • Karnataka - Dharwad
  • Karnataka - Gadag
  • Karnataka - Gulbarga
  • Karnataka - Hassan
  • Karnataka - Hospet
  • Karnataka - Hubli
  • Karnataka - Kolar
  • Karnataka - Koppal
  • Karnataka - Madikeri
  • Karnataka - Mandya
  • Karnataka - Mangalore
  • Karnataka - Mysore
  • Karnataka - Raichur
  • Karnataka - Ramanagara
  • Karnataka - Shimoga
  • Karnataka - Tumkur
  • Karnataka - Udupi
  • Karnataka - Yadgir